Buy Cheap Pensacola, FL Auto Insurance (2021)

Pensacola, FL auto insurance rates average $344 a month. Minimum auto insurance requirements in Pensacola, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Pensacola, FL, compare Pensacola auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Pensacola is Allstate
  • Average auto insurance rates in Pensacola, FL are $344/month
  • Average auto insurance rates in Pensacola, FL after a DUI are $4,943/year

Finding affordable Pensacola, Florida auto insurance can be challenging, but everything you need to know to buy cheap Pensacola, FL auto insurance with confidence is right here. Auto insurance rates in Pensacola are affected by local factors as well as personal ones like your driving record.

See how Pensacola, FL car insurance rates compare to St. Petersburg auto insurance rates, Port St. Lucie auto insurance rates, and Orlando auto insurance rates before you read more about the cost of auto insurance in Pensacola.

Don’t buy Pensacola, FL auto insurance until you’ve compared rates. Get free Pensacola, Florida auto insurance quotes when you enter your ZIP code above.

Pensacola, FL Minimum Auto Insurance Requirements

The required auto insurance in Pensacola, FL is 10/20/10 according to the auto insurance laws in Florida. The minimum auto insurance in Pensacola, Florida is outlined here.

Minimum Required Auto Insurance Coverage in Pensacola, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Find Cheap Pensacola, FL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Pensacola, FL. Take a look at Pensacola, Florida auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Pensacola, Florida

Insurance Company Poor Fair Good
Allstate $8,687 $5,509 $4,476
GEICO $5,290 $3,189 $2,387
Liberty Mutual $6,202 $4,548 $3,685
Nationwide $4,744 $3,482 $3,151
Progressive $6,266 $4,465 $3,737
State Farm $4,347 $2,865 $2,358
USAA $4,019 $1,947 $1,411

Buy Cheap Pensacola, FL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Pensacola, Florida auto insurance rates? Find out how car insurance rates in Pensacola, FL are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Pensacola, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,946 $3,738 $3,402 $3,441 $13,205 $14,148 $3,934 $3,979
GEICO $2,847 $2,860 $2,663 $2,663 $5,131 $6,475 $3,142 $3,195
Liberty Mutual $3,329 $3,329 $3,049 $3,049 $7,043 $10,853 $3,329 $4,514
Nationwide $2,649 $2,624 $2,362 $2,450 $6,381 $7,900 $2,921 $3,053
Progressive $3,195 $3,027 $2,763 $2,953 $9,075 $9,967 $3,856 $3,746
State Farm $1,999 $1,999 $1,808 $1,808 $5,835 $7,466 $2,215 $2,390
USAA $1,441 $1,421 $1,337 $1,333 $4,787 $5,588 $1,806 $1,958

Buy Cheap Pensacola, FL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Pensacola can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Pensacola, FL are listed here.

Annual Auto Insurance Rates for Teen Drivers in Pensacola, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,205 $14,148
GEICO $5,131 $6,475
Liberty Mutual $7,043 $10,853
Nationwide $6,381 $7,900
Progressive $9,075 $9,967
State Farm $5,835 $7,466
USAA $4,787 $5,588

Buy Cheap Pensacola, FL Auto Insurance for Seniors

You can save on senior auto insurance rates in Pensacola, Florida by comparing Pensacola senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Pensacola, FL here.

Annual Auto Insurance Rates for Senior Drivers in Pensacola, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,402 $3,441
GEICO $2,663 $2,663
Liberty Mutual $3,049 $3,049
Nationwide $2,362 $2,450
Progressive $2,763 $2,953
State Farm $1,808 $1,808
USAA $1,337 $1,333

Find Cheap Auto Insurance Rates in Pensacola, FL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Pensacola, Florida auto insurance. Compare Pensacola, FL auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Pensacola, Florida

Insurance Company Low Medium High
Allstate $5,111 $6,476 $7,085
GEICO $3,044 $3,740 $4,081
Liberty Mutual $4,434 $4,886 $5,115
Nationwide $3,092 $3,925 $4,360
Progressive $4,113 $4,927 $5,429
State Farm $2,744 $3,262 $3,564
USAA $2,171 $2,533 $2,673

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Find Cheap Pensacola, FL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Pensacola. Compare auto insurance rates in Pensacola, FL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Pensacola, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,046 $6,402
GEICO $3,604 $3,640
Liberty Mutual $4,656 $4,968
Nationwide $3,792 $3,792
Progressive $4,823 $4,823
State Farm $3,083 $3,297
USAA $2,431 $2,487

Find Cheap Pensacola, FL Auto Insurance Rates by ZIP Code

Auto insurance rates in Pensacola, Florida can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Pensacola, FL to see how much where you live in Pensacola affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Pensacola, Florida

ZIP Code Average Annual Rates
32502 $3,184
32503 $3,184
32504 $3,184
32505 $3,184
32506 $3,184
32507 $3,184
32508 $3,184
32514 $3,213
32526 $3,184

Find Cheap Pensacola, FL Auto Insurance Rates by Driving Record

Auto insurance rates in Pensacola, Florida are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Pensacola, FL, take a look at the average cost for various violations versus rates for a clean driving record in Pensacola.

Annual Pensacola, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,384 $6,433 $7,118 $5,962
GEICO $2,516 $3,222 $4,807 $3,943
Liberty Mutual $3,486 $4,511 $6,511 $4,739
Nationwide $3,250 $3,555 $4,762 $3,602
Progressive $3,812 $5,633 $4,734 $5,112
State Farm $2,920 $3,460 $3,190 $3,190
USAA $1,943 $2,378 $3,481 $2,033

Find Cheap Pensacola, FL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Pensacola, Florida is higher than for a clean driving record. You can buy auto insurance after a DUI in Pensacola for less when you shop around and compare rates from multiple Pensacola, FL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Pensacola, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,118
GEICO $4,807
Liberty Mutual $6,511
Nationwide $4,762
Progressive $4,734
State Farm $3,190
USAA $3,481

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Winners by Category: Where to Buy Cheap Auto Insurance in Pensacola, FL

Compare rates from the cheapest auto insurance companies in Pensacola, FL for your needs. Take a look at how Pensacola, Florida auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Pensacola, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Find Cheap Pensacola, Florida Auto Insurance Companies

If you’re looking for the cheapest Pensacola, FL auto insurance companies overall, you can compare them here. Find the best price for Pensacola, Florida car insurance by company.

Average Annual Auto Insurance Rates by Company in Pensacola, Florida

Insurance Company Average Annual Rates
Allstate $6,224
GEICO $3,622
Liberty Mutual $4,812
Nationwide $3,792
Progressive $4,823
State Farm $3,190
USAA $2,459

What affects Pensacola, Florida auto insurance rates?

Local factors affect auto insurance rates in Pensacola, FL, including traffic, theft statistics, and commute length. Take a look at the things that impact Pensacola auto insurance rates.

Auto Theft in Pensacola

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Pensacola, FL auto theft show a total of 105 vehicle thefts annually.

Commute Times in Pensacola

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Pensacola, FL is 19.5 minutes according to City-Data.

Traffic in Pensacola

How is traffic in Pensacola, Florida? Inrix data shows that Pensacola, FL traffic makes it the 780th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Pensacola, FL

You can buy cheap Pensacola, FL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Pensacola, Florida auto insurance quotes from top companies.

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